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This plan can help you and your loved ones build basic life and personal accident
coverage or supplement existing coverage and benefits. It provides affordable
coverage for normal daily activities as well as military trainings.
PRODUCT INFORMATION
KEY FEATURES
• Be insured up to a maximum coverage of S$1,000,000 for as little as S$4.21 a day. Your
spouse can also enjoy the same coverage for an even lower amount – at only S$3.29 a day.
• Your children can also enjoy up to S$600,000 coverage at S$1.97 a day.
• The premium rate is flat up to age 65.
• Enjoy automatic renewal of coverage up to age 65; thereafter coverage from age 66 to 70
will be capped at S$100,000 (subject to the prevailing premium rates, terms and conditions).
• Receive advance payment benefit of 50% of sum assured, subject to a maximum of
S$100,000 if an insured person is diagnosed that he/she is highly likely to pass away within
the next 12 months.
• Receive extra Death Benefit of up to S$100,0001 for accidental death directly due to SAF
training or vocational activity, including during ops ready in-camp training.
• Receive daily hospital cash benefit2.
• Enjoy partial cash rebate of premium during good years.
• Your spouse can continue to be insured if you were to pass away prematurely.
• Covers events of war, including UN Peacekeeping / Humanitarian Missions and Acts of
Terrorism – (subject to the prevailing group risks limitations).
ELIGIBLE MEMBERS
• SAF regulars (Regulars) and full-time National Servicemen (NSF)
• Defence Executive Officers (DXO)
• Public Officers working in MINDEF
• SAF Operational Ready National Servicemen (NSmen)
• DSTA employees
• Military domain expert personnel and SAF volunteer
ELIGIBLE DEPENDANTS
Spouse and children (at least 14 days old) of the above insured members.
AGE CEILING
• You and your spouse must take up this cover before age 55# and coverage can be
continued up to age 70. Your children can also be insured from 14 days old.
• For a female child, the coverage will cease at ANB^ 25 or when she marries or when she is
employed under SAF, whichever is earlier. For a male child, the coverage will cease at ANB^ 20
or when he marries or when he is enlisted into full time national service, whichever is earlier.
# Refers to Eligible Members only
^ Age Next Birthday as at 1st October
This insurance will automatically be extended up to age 70, subject to a maximum sum
assured of S$100,000 if you do not opt out before age 66. Medical examination is waived if
you continue the insurance beyond age 65. The prevailing monthly premiums are stated in
Table B below. The monthly premiums are subject to change as negotiated by SAF/MINDEF.
Sum Monthly Premium for Member / Spouse (S$)
Assured
(S$) 66^ 67^ 68^ 69^ 70^
50,000 54.50 60.00 66.50 73.50 81.50
100,000 109 120 133 147 163
^ Age Next Birthday as at 1st October
INSURANCE BENEFITS FOR AGE NEXT BIRTHDAY 65 AND BELOW
Life Insurance Benefits
• Total and Permanent Disablement (TPD)3 due to illness 120% of Sum Assured
If the insured person suffers Total and Permanent Dismemberment within 365 days of an
accident, Aviva Ltd will pay the insured person according to the compensation schedule,
up to an amount not exceeding the total sum assured for any accident.
EXCLUSIONS
Death due to suicide:
- Within the first 12 months from the date of inception or reinstatement of a
lapsed insurance.
- From age next birthday 66 to 70
For more information on the list of 37 critical illnesses, please refer to www.aviva.com.sg/saf
MEDICAL DECLARATION*
• If you are PES A or B new enlistee or new employee of SAF/MINDEF, you may take
up higher coverage within the first 14 days of enlistment or employment without
having to complete the Health Questionnaire in the application form.
• If you do not exceed age 55, you are only required to complete the Health
Questionnaire in the application form.
• If you have ever been treated at a specialist clinic or hospital, you may be
required to obtain the relevant medical report(s), at your own expense, to
support your application.
• Aviva Ltd will notify you in writing for additional medical evidence (if necessary).
For further inquiries or claims matters, please contact the Aviva Ltd Customer
Service Hotline at 6827 8000 (Monday to Friday excluding Public Holidays, 8:45am to
5:30pm).You may also email Aviva Ltd at saf_insurance@aviva-asia.com or visit the
Aviva website at www.aviva.com.sg/saf.
ABOUT AVIVA
• Aviva provides 43 million customers with insurance, savings and investment products.
• We are the UK’s largest insurer and one of Europe’s leading providers of life and
general insurance.
Important Notes
1. The extra death benefit is 100% of the sum assured, subject to a maximum of S$100,000.
2. Daily Hospital Cash Benefit will not apply for sum assured that is less than S$50,000 or
part thereof, and is subject to a maximum benefit of S$120 per day.
3. Total And Permanent Disablement (TPD) refers to a state of disability such that there is
neither at the time it is first sustained nor at any time after that, any work, occupation
or profession that the insured person can ever sufficiently do or follow to earn or obtain
any wages, compensation or benefit.
4. Total and Permanent Dismemberment or “Loss” for the purpose of this policy means
total, permanent and irrecoverable loss of use or entire physical loss caused by physical
separation and must be medically certified within 365 days from date of accident.
The following are examples of what we would accept as being total and permanent
disablement: total and irrecoverable loss of sight in both eyes, severance of both hands
at or above the wrist or both feet at or above the ankles or one hand and one foot at or
above the wrist or ankle.
5. This supplementary cover is limited to S$300,000 for all similar Member benefits group
major illness insurance issued by Aviva Ltd in respect of an insured person. Terms and
conditions apply.
The policy is underwritten by Aviva Ltd. This is published for general information only
and does not have regard to the specific investment objectives, financial situation and
the particular needs of any specific person. You may wish to seek advice from a financial
adviser before making a commitment to purchase the product. In the event that you
choose not to seek advice from a financial adviser, you should consider whether the
product in question is suitable for you. Buying a life insurance policy is a long-term
commitment. An early termination of the policy usually involves high cost and the
surrender value payable, if any, may be less than the total premium paid. Buying health
insurance products that are not suitable for you may impact on your ability to finance
your future healthcare needs. This is not a contract of insurance. Full details of the
standard terms and conditions of this plan can be found in the relevant policy contract.
Information is correct as at 01 Feb 2015.
This Policy is protected under the Policy Owners’ Protection Scheme, and is administered
by the Singapore Deposit Insurance Corporation (SDIC). Coverage for Your Policy is
automatic and no further action is required from you. For more information on the
types of benefits that are covered under the scheme as well as the limits of coverage,
where applicable, please contact Aviva Ltd or visit the Life Insurance Association or SDIC
websites (www.lia.org.sg or www.sdic.org.sg).
GB-Mar-15